SETTO

Active

Private limited companyfounded 20242 yrs activeGrensstraat 14, 2150 Antwerpen, BelgiumKBO/BCE: BE 1004.724.713

SETTO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €20k and a net result of €8k. Its solvency ranks better than 57% of 7954 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Young company

Founded in 2024, under 3 years, statistically higher risk.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

4 d early

2024

8 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€20k▲ 68.9%

2024 · €12k

2024: €12k

2024 → 2025

Net result

€8k▼ 12.8%

2024 · €9k

2024: €9k

2024 → 2025

Total assets

€33k▼ 5.7%

2024 · €35k

2024: €35k

2024 → 2025

Solvency

60.4%▲ 26.7pp

2024 · 33.7%

2024: 33.7%

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€12k-€20k▲ 68.9%

Operating result€17k-€15k▼ 16.0%

Net result€9k-€8k▼ 12.8%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 16% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €33k

98.7%

Fixed assets €434▼ 97.6%

Current assets €33k▲ 92.2%

Equity and liabilities €33k

60.4%

39.6%

Equity €20k▲ 68.9%

Debt €13k▼ 43.7%

The debt ratio falls from 66.3% to 39.6%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

Solvency

60.4%▲

2024 · 33.7%

ROE

40.8%▼

2024 · 79.0%

ROA

24.6%▼

2024 · 26.6%

Debt

€13k▼

2024 · €23k

Debt ≤ 1 year

€13k▼

2024 · €23k

Income taxes

€5k▼

2024 · €7k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€35k€33k▼

Fixed assets21/28€18k€434▼

Tangible fixed assets22/27-€434

Furniture and vehicles24-€434

Financial fixed assets28€18k-

Current assets29/58€17k€33k▲

Amounts receivable within one year40/41€4k€6k▲

Trade receivables40-€242

Other amounts receivable41€4k€6k▲

Cash at bank and in hand54/58€13k€27k▲

Deferred charges and accrued income490/1-€78

Equity and liabilities

Total equity and liabilities10/49€35k€33k▼

Equity10/15€12k€20k▲

Contributions10/11€3k€3k=

Reserves13€9k€18k▲

Distributable reserves133€9k€18k▲

Amounts payable17/49€23k€13k▼

Amounts payable within one year42/48€23k€13k▼

Trade debts44€13k€2k▼

Suppliers440/4€13k€2k▼

Taxes, remuneration and social security45€10k€11k▲

Taxes450/3€10k€11k▲

Income statement Code20242025

Non-recurring operating income76A-€2k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€892€191▼

Other operating charges640/8€953€1k▲

Gross operating margin9900€19k€16k▼

Operating profit (loss)9901€17k€15k▼

Financial income75/76B€122€332▲

Recurring financial income75€122€332▲

Financial charges65/66B€1k€2k▲

Recurring financial charges65€1k€2k▲

Profit (loss) for the period before taxes9903€16k€13k▼

Income taxes67/77€7k€5k▼

Profit (loss) for the period9904€9k€8k▼

Profit (loss) for the period to be appropriated9905€9k€8k▼

Appropriation of the result

Profit (loss) to be appropriated9906€9k€8k▼

Transfer to equity691/2€9k€8k▼

To other reserves6921€9k€8k▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Liquidity triplescurrent ratio 2.49

Current ratio from 0.73 to 2.49; short-term debt falls from €23k to €13k.

23-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Antwerpen · 1 establishment unit since 2024

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Grensstraat 142150 Antwerpen

Ground area

150 m²

Building footprint

140 m²

Volume, LiDAR

1,222 m³

Parcel 11007A0092/00V008, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

SETTO

Grensstraat 14, 2150 AntwerpenFinancial service activities, except insurance and pension funding

since 20242.354.559.489

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11007A0092/00V008	Flanders	150 m²	1 · 140 m²	11.3 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

FDC Services & Solutions

BE 0734.907.038

Middelkerke · Eq €20k

Of 24,641 companies in sector 64210 we hold annual accounts for 19,693. 7,379 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded15-01-2024

Fiscal year end31-12

Activities, NACEBEL

64200Holdings

64210Activities of holding companies

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.